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十个馒头 · 2022年07月26日

为什么这里的利息不用处以10

  1. CFA I
  2. Quantitative

NO.PZ2015120604000019

问题如下：

An investor borrowed $25,000 at 12% interest. The loan should be paid back at the same amount over next ten years, how much of the second year's payment is interest(assume annual loan payments)?

选项：

A.

$2,829.05.

B.

$4,424.60.

C.

$1,037.26.

解释：

A is correct.

PV = -25,000; FV = 0; I/Y = 12; N = 10; CPT PMT = 4,424.60.

The interest should be pad in the first year is $3,000 = 25,000 × 0.12

The principal in the second year is $25,000 -($4,424.60-$3,000) = $23,575.40.

The interest should be pad in the second year is = $23,575.40 × 0.12 = $2,829.05.

为什么这里的利息不用处以10

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已采纳答案

星星_品职助教 · 2022年07月26日

同学你好，

如果除以10，相当于每年复利计息10次，题干中并未给出这个条件。

如果题干中没有强调compounding frequency，可默认按照按年计息来计算，此时I/Y直接就是题干中给出的利率，不需要再转化了。

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